How to manage the money with a deposit of 1 million

ABC has launched different financial management methods according to the needs of different customers.

Or you can consider the first-class business of the Agricultural Bank of China, such as the deposit pass.

Deposit card refers to the customer opening an account through the debit card of our bank, and purchasing the "heirloom treasure" investment product according to the real-time ***** of our bank, and the purchase quantity is credited to the customer's account in real time. Investing** is also a way to preserve the value of your assets. For more information, please click on the link.

If you want a slightly higher return, you can take a look at the peace of mind. Or the more popular "Thursday I Earn the Most" lately.

Or directly sign up for automatic wealth management business, which refers to the function of regular subscription of open wealth management products of our bank by the customer through a one-time contract with the bank, and the system realizes regular subscription of our bank's open wealth management products in accordance with the agreed cycle and deduction rules.

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you visit our branches to consult the relevant advice of the wealth manager.

If I had a deposit of 100,000 dollars, I wouldn't put it in the bank. Because financial management wants money to make money, the fastest way is to start a business. Looking for a good project, I believe that 1 million can be done in three or two years.

Now the bank's regular maximum safety interest rate is floating at about 5%, you have a fixed term of 5,000 a year, and you can save up to one million for at least 200 years, my good man, if you don't do venture capital of 100,000 yuan, it is basically a fantasy.

Extraction code: ZJ6D from 1 to 1 million, 12 tricks for financial management. Learning financial investment is a compulsory course in life, and the financial management rule from 10,000 to 1 million is compound interest, the eighth wonder in the world.

The formula for compound interest is: Compound Interest Final Value = Principal * (1 + Yield) Time. The three factors of compound interest are principal, yield, and time.

For ordinary people, the principal is not easy to increase immediately, time is also an uncontrollable factor, and the most important thing is the rate of return. The most important thing is to be patient with money and accept that you will get rich slowly, rather than overnight.

Course Catalog: How do the Fed's interest rate hikes and exchange rate changes relate to me?

Regular investment loses money, and loses without knowing when to sell.

Low-risk investment.

Demand deposits, the central bank's benchmark interest rate, the annual interest rate of the five major banks.

Based on the central bank's benchmark interest rate, it takes 658 years for a principal of 100,000 yuan to become 1 million.

If there are five major banks, the annual interest rate needs to be 768 years.

Recently, I heard that a rural village has built a bank service station, and I don't know exactly what it is. Go to this service station to deposit money, 10,000 yuan a year and 1,000 yuan interest. I think you should use your 100,000 yuan as the principal and go to the township to do this kind of fund-raising method.

1,000,000 should be easy to reach. The risk of running away and being wanted depends on your intelligence. After all, if you want to get something in return, giving is only a basic condition.

If you want to deposit 1 million quickly, you can only make venture capital, if there are no such high requirements, you can deposit to Yu'e Bao and have an interest income of 10 yuan per day.

100,000 investment partners into shares, you can do 1 million things, but the income of 300,000 is good, I want to multiply ten times a year to earn 1 million at least I can't do. This year, I will invest 50,000 yuan in shares to do 1 million yuan, and the expected income is 200,000 yuan.

Lending. At present, the monthly interest rate of private loans is 2%, which is the interest supported by the court. The annual interest rate is 24%, and you can save up to 1 million in four years.

High returns coexist with high risks, and if you want to get high returns quickly, you have to take the corresponding high risks, depending on whether you dare.

It is very difficult to change 100,000 to 1 million, financial management is risky, it is almost the same to do business, it is impossible to deposit money in the bank!

Investment**, high risk will have high returns, if the vision is good, a year to increase 10 times, is not impossible.

Advertise! Whoever gives you 100,000 and you tell him the way to make a million, and then someone gives you 100,000, and you tell him that the way is, find ten fools like you and get 1 million.

Let's do this first**Let's wait for a while, if the income is good, change it**. Monthly work to do regular investment. **Just buy more liquor, liquor has high risk but very high returns. Either buy new energy vehicles and it will definitely rise.

Starting a business is not recommended. Unless there are good projects. To multiply tenfold. There's no shortage of ways to invest. Let's talk. Maybe I can give you good advice.

There is a problem with this problem, if the ghost can turn it into 1 million without risk, if you ask me the fastest decades, the slowest will be the children and grandchildren.

If there are 100,000 people looking for 100,000 people to invest 100,000 each, it is 1 million, and find a place with a better port to open a hot pot restaurant or something, if the business is good, it should be very fast.

**, or let a reliable investor help you invest in some bonds** or something. However, there are risks, and you need to be cautious when you get rich.

Dare not venture capital, if you dare to reach the overdue in one year or vice versa, you know, benefits and risks coexist.

There are two ways to quickly become a millionaire, first, immigrate to other countries and exchange currencies for other countries, which is a millionaire, and second, find a ** teacher, catch two good stocks, and the bull potential can make steady profits

The specific financial management methods are as follows:

1. About 25% of the funds are used as bank deposits.

For now, bank deposits are the safest way to manage your finances. Of course, there are many classifications in deposits, such as: ordinary demand, ordinary time, call deposit, large certificate of deposit, etc.

Among these products, the return of large-amount certificates of deposit is the highest, because the interest can be negotiated with the bank, and there is no problem with an annualized rate of 3-5%.

Second, about 15% of bonds and bank wealth management.

Bonds must give priority to national bonds, and in the case of national credit endorsement, the credit rating of national bonds is the highest, and unless the country goes bankrupt, there is basically no possibility of default. The more common treasury bonds in banks are: certificate and savings treasury bonds.

However, it should be noted that the maturity of treasury bond products is relatively long and the liquidity is average, so the purchase group of treasury bonds is basically middle-aged and elderly investors. From the perspective of risk, unless the central bank cuts interest rates sharply, the time cost and opportunity cost of government bonds are relatively high, and the liquidity is average.

Compared with treasury bonds, banks' wealth management products are more flexible and selective, and from the current point of view, the shortest maturity is only one month. However, the yield of bank wealth management is not like treasury bonds, its yield is not certain, and the bank will only give you an expected return situation, and there will be various fluctuations during the period. In essence, bank wealth management does not promise the income and does not guarantee the safety of the principal, and the final actual income may be positive or negative.

3. About 30% of the insurance.

If you have a family, the most important thing is that you have to buy insurance for them, and you have to buy insurance for yourself at the same time. Because you are not only financial, but you also have to take care of them.

Fourth, about 25% of the total fundraising**.

**One of the most prominent advantages of financial management is that you can let a professional manager manage your money for you, but the income is floating, and you only need to spend a very small amount of handling fees every year. The first recommendation is the currency type**, because the cargo base has the highest security and good liquidity.

If the investment target of a certain commodity base is the bank's market or bills, its security is almost the same as that of a bank deposit.

Fifth, you can allocate some pure debt **.

For example, enhanced bonds, credit bonds, and dollar bonds. In the medium and long term, bonds can basically get positive returns, and the principal can be returned on the maturity date, such as the state wax fruit and then appropriate allocation of some US dollars or other currencies of bonds can also offset the exchange rate and national policy risk. There is also a product that cannot be avoided:

Principal Protection**.